The Federal Community
Reinvestment Act (CRA) requires the Comptroller of the Currency
to evaluate our record of helping to meet the credit needs of this
community consistent with safe and sound operations.The Comptroller also takes this record into account when
deciding on certain applications submitted by us.

Your involvement is
encouraged.

You are entitled to certain information about our operations and
performance under the CRA, including, for example, information about
our branches, such as their locations and services provided at them;
the public section of our most recent CRA Performance Evaluation,
prepared by the Comptroller; and comments received from the public
relating to our performance in helping to meet community credit
needs, as well as our responses to those comments.You may review this information today.

At least 30 days before the
beginning of each quarter, the Comptroller publishes a nationwide
list of the banks that are scheduled for CRA examination in that
quarter.This list is
available from the Deputy Comptroller, 1225 17th Street,
Suite 300, Denver, CO 80202-5534.Also, lists of upcoming examinations are available on the
Office of the Comptroller of the Currency web site at
www.occ.treas.gov.You may send written comments about our performance in
helping to meet community credit needs to Jody Servatius, CEO, 1507
G Street, Lewiston, ID
83501 and the Deputy Comptroller, 1225 17th Street, Suite
300, Denver, CO 80202-5534.Your letter, together with any response by us, will be
considered by the Comptroller in evaluating our CRA performance and
may be made public.

You may ask to look at any comments received by the Deputy
Comptroller.You may
also request from the Deputy Comptroller an announcement of our
applications covered by the CRA filed with the Comptroller.We are an affiliate of Twin River Financial Corp., a bank
holding company.You
may request from the Officer in Charge of Applications, Federal
Reserve Bank of
San Francisco
,
101 Market Street
,
San Francisco,
CA
94105, an announcement of application covered by the CRA filed by bank
holding companies.